No Annual Fee and no draw fee 

Great if you occasionally need cash fast, but aren't looking to commit to a Business Loan or Line of Credit 

As your revenue increases, your spending limit increases 

Approvals based on your business revenue and not personal credit 

Access cash on demand with funds deposited straight into your bank account 

Access to business credit tools – Revenued reports to D&B to help build your business credit  

Access to a dedicated U.S-based account manager 

Rated Excellent on Trustpilot with 600+ reviews 

Suitable for businesses with limited to excellent credit 

The secured Chime Credit Builder Visa® Credit Card is issued by The Bancorp Bank, N.A. or Stride Bank, N.A., pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see the back of your card for its issuing bank. 

No credit check to apply

No annual fees

No minimum security deposit required: Money added to Credit Builder will be held in a secured account as collateral for your Credit Builder Visa card, which means you can spend up to this amount on your card. This is money you can use to pay off your charges at the end of every month.

To apply for Credit Builder, you must have received a single qualifying direct deposit of $200 or more to your Chime® Checking Account. The qualifying direct deposit must be from your employer, payroll provider, gig economy payer, or benefits payer by Automated Clearing House (ACH) deposit OR Original Credit Transaction (OCT). Bank ACH transfers, Pay Anyone transfers, verification or trial deposits from financial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, cash deposits, one-time direct deposits, such as tax refunds and other similar transactions, and any deposit to which Chime deems to not be a qualifying direct deposit are not qualifying direct deposits. 

Turn on Safer Credit Building to automatically pay your balance in full each month: On-time payment history may have a positive impact on your credit score. Late payment may negatively impact your credit score. Results may vary.

No fee to use the SpotMe service：SpotMe® on Credit Builder is an optional, no interest / no fee overdraft line of credit tied to the Secured Deposit Account available to qualifying members with an active Chime Credit Builder Account. To qualify for the SpotMe on Credit Builder service, you must receive $200 or more in qualifying direct deposits to your Chime Checking Account each month and have activated your physical secured Chime Credit Builder Visa® Credit Card or Chime Visa® Debit Card. Qualifying members will be allowed to overdraw their Secured Deposit Account up to $20, but may later be eligible for a higher limit of up to $200 or more based on Chime account history, direct deposit frequency and amount, spending activity and other risk-based factors. The SpotMe on Credit Builder Limit will be displayed within the Chime mobile app and is subject to change at any time, at Chime's or its banking partners' discretion. Although Chime does not charge any overdraft fees for SpotMe on Credit Builder, there may be out-of-network or third-party fees associated with ATM transactions and fees associated with OTC cash withdrawals. SpotMe on Credit Builder won't cover non-card transactions. SpotMe on Credit Builder Terms and Conditions. 

Earn 60,000 bonus points once you spend $4,000 on purchases within the first 3 months of opening your account. That's equivalent to $750 when redeemed through Sample Bank 1 specified rewards.

Experience perks such as earning 5x points on travel booked through Sample Bank 1 specified rewards, 3x points on dining, select streaming services, and online groceries, 2x points on all other travel purchases, and 1x points on all other purchases. Additionally, receive a $50 annual specified rewards Hotel Credit, among other benefits.

When you redeem points for airfare, hotels, car rentals, and cruises through Sample Bank 1 specified rewards, enjoy 25% more value. For instance, 60,000 points translate to $750 towards travel.

Rely on features like Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance, and more for added peace of mind.

Unlock complimentary access to DashPass, offering $0 delivery fees and reduced service fees for at least one year when activated by December 31, 2024. Member FDIC.

INTRO OFFER: Earn an extra 1.5% cash back on all your purchases (up to $20,000 spent in the first year) - potentially totaling up to $300 cash back!

Indulge in 6.5% cash back on travel booked through Cash Back Credit Card Mock 2, our premium rewards program offering cash back, travel, gift cards, and more; 4.5% cash back on dining at restaurants, including takeout and eligible delivery, as well as drugstore purchases; and 3% cash back on all other purchases (up to $20,000 spent in the first year).

Post your first year or after reaching $20,000 in spending, relish 5% cash back on Sample Bank 1 travel booked through specific rewards, 3% cash back on dining and drugstore purchases, and an ongoing 1.5% cash back on all other purchases.

Redeem your cash back rewards with no minimum threshold. Choose between a statement credit or direct deposit to most U.S. checking and savings accounts. Your Cash Back rewards remain valid as long as your account remains open.

Enjoy a 0% Intro APR for 15 months from account opening on both purchases and balance transfers, followed by a variable APR ranging from 20.49% to 29.24%.

No annual fee - relish all the fantastic features of your Cash Back Credit Card Mock 2 without the burden of an annual fee.

Monitor your credit health effortlessly with Sample Bank 1 Credit Journey, providing you with free access to your latest score, real-time alerts, and more. Member FDIC.

Act now to take advantage of this limited time offer! Qualifying purchases will earn you 5 Free Night Awards, each night valued at up to 50,000 points.

Earn triple points per $1 on the initial $6,000 spent in combined purchases each year at grocery stores, gas stations, and dining establishments.

For every $5,000 you spend, receive 1 Elite Night Credit towards Elite Status.

Enjoy a complimentary night award (valued at up to 35,000 points) every year after your account anniversary.

With the Travel Credit Card Mock 2, earn up to 17 times the total points per $1 spent at thousands of participating hotels.

Receive 15 Elite Night Credits annually, automatic Silver Elite status, and a pathway to Gold Status when you spend $35,000 on purchases each calendar year.

Benefit from no foreign transaction fees, and your points will not expire as long as you make purchases on your card every 24 months. Member FDIC.

Receive 60,000 Membership Rewards Points after spending $3,000 on purchases within the first 6 months of Card Membership. Additionally, get 20% back on eligible travel and transit purchases made in the same period, up to $200 back as a statement credit.

Earn triple Membership Rewards Points on various travel expenses including airfare, hotels, cruises, tours, car rentals, campgrounds, and vacation rentals. Similarly, earn triple points on transit purchases such as trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways.

Enjoy triple Membership Rewards Points on eligible restaurant purchases worldwide, including takeout and delivery within the US.

Receive a $189 statement credit per calendar year when paying for your CLEAR Plus membership with the Rewards Credit Card Mock 1 (subject to auto-renewal).

Additionally, get up to $100 in statement credits annually for lounge access purchased through the LoungeBuddy app using the Rewards Credit Card Mock 1.

Benefit from payment flexibility, trip delay insurance, and no foreign transaction fees. 

There is a $150 annual fee associated with the card. 

Terms and conditions apply.

80,000 bonus miles upon completing qualifying purchases.

Earn 4 miles for every $1 spent on United purchases, 2 miles for every $1 spent on all other travel and dining, and 1 mile for every $1 spent on all other purchases.

Enjoy complimentary first and second checked bags, potentially saving up to $320 per roundtrip (terms apply), along with Premier Access travel services.

Receive a 10% discount on United Economy Saver Awards within the continental U.S. and Canada.

Earn up to 10,000 Premier qualifying points (25 PQP for every $500 spent on purchases). Member FDIC.

80,000 bonus miles upon completing qualifying purchases.

Receive 4 miles for every $1 spent on specific purchases, 2 miles for every $1 spent on all other travel and dining, and 1 mile for every $1 spent on all other purchases.

Benefit from complimentary first and second checked bags, potentially saving up to $320 per roundtrip (terms apply), as well as Premier Access travel services.

Get a 10% discount on United Economy Saver Awards within the continental U.S. and Canada.

Earn up to 10,000 Premier qualifying points (25 PQP for every $500 spent on purchases).

Member FDIC.

Earn 60,000 bonus miles once you spend $3,000 on purchases within the first 3 months of opening your account.

Enjoy a $0 introductory annual fee for the first year, followed by a $95 annual fee thereafter.

Earn 2 miles for every $1 spent on dining, hotel stays, and specific purchases.

Benefit from up to a $100 credit towards Global Entry, TSA PreCheck, or NEXUS fees.

Receive 25% back as a statement credit on purchases of food, beverages, and Wi-Fi on board United-operated flights, as well as on Club premium drinks when using your Explorer Card.

Get a complimentary first checked bag - saving up to $140 per roundtrip. Terms apply.

Enjoy priority boarding privileges and receive 2 one-time passes each year to visit the United ClubSM.

Member FDIC.

Earn $750 bonus cash back after spending $6,000 on purchases within the first 3 months of account opening.

Get 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable, and phone services each account anniversary year.

Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year, and 1% cash back on all other purchases.

Benefit from round-the-clock monitoring for unusual credit card purchases and Zero Liability protection against unauthorized charges.

Enjoy no annual fee and the flexibility to redeem rewards for cash back, gift cards, travel, and more through Sample Bank 1 Specific Rewards.

Take advantage of a 0% introductory APR for 12 months on purchases.

Member FDIC.

Earn 30,000 bonus miles upon qualification

No Annual Fee

Earn 2 Miles for Every Dollar Spent on United Airline Purchases, Gas Station Transactions, and Local Transit or Commuting Expenses

Collect 2 Miles for Every Dollar Spent on United Airlines Purchases

Earn 2 Miles for Each Dollar Spent at Gas Stations, on Local Transportation and Commuting Charges

Earn 1 Mile for Every Dollar Spent on All Other Purchases

Receive 25% of Your Spending Back as a Statement Credit on In-flight Food, Beverages, and Wi-Fi Purchases Made Aboard United-operated Flights, as well as for Club Premium Beverages when You Use Your Gateway Card to Pay

Member FDIC

Earn a $200 statement credit after spending $2,000 on purchases with your new Card within the initial 6 months.

No annual fee.

Take advantage of our Balance Transfer offer! Enjoy a 0% introductory APR on purchases and balance transfers for 15 months from the date of account opening. Following this period, a variable APR of 19.24% to 29.99% applies.

Receive 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%. Similarly, earn 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%. Additionally, get 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.

Cash Back is provided in the form of Reward Dollars, which can be redeemed as a statement credit or at Amazon.com checkout.

Considering the Disney Bundle? Make your decision easier with $7/month back in the form of a statement credit after spending $9.99 or more each month on an eligible subscription (subject to auto-renewal) with your Balance Transfer Credit Card Mock 2. Enrollment required.

Enjoy up to $15 back per month when you purchase a Home Chef meal kit subscription (subject to auto-renewal) with your enrolled Balance Transfer Credit Card Mock 2.

Terms apply.

Receive a $50 bonus after making your first purchase within the initial 3 months from account opening.

Earn 1% cash back on all purchases.

No annual fee.

Get $20 Good Standing Rewards after each account anniversary for up to 5 years.

Qualify for a credit limit increase after making 5 monthly payments on time within 10 months from account opening, subject to meeting credit criteria.

There's no minimum requirement to redeem cash back. Cash back rewards remain valid as long as your account is open.

Enjoy a free credit score check with Sample Bank 1 Credit Journey.

Discover one of Sample Bank 2's premier cashback reward cards tailored exclusively for Costco members.

Receive 4% cash back on eligible gas and electric vehicle (EV) charging purchases for the first $7,000 spent annually, followed by a reduced rate of 1% cash back thereafter.

3% cash back on dining at restaurants and eligible travel expenses

2% cash back on all other purchases made at specific warehouses and through specific website

1% cash back on all other eligible purchases

No annual fee accompanies your paid membership, and you'll also benefit from no foreign transaction fees on your purchases.

Receive an annual credit card reward certificate, which can be redeemed for cash or merchandise at any U.S. specific warehouse, inclusive of Puerto Rico.